A credit union financed a car note for me. I never knew them before the loan transaction and I only have the car note there. Recently, my payments seem to not lower my loan balance as much as it should, meaning they are charging me for something I cannot see. I asked for online access to my history so I could check it. They said I had to open a depository account in order to have that feature. How can I concisely ask for my history so that I can figure out what is going on? Can they refuse to provide that?
They are probably not required to provide online access at all. They are probably required to provide some sort of written statement, unless you have waived that in favor of online or electronic versions. The exact requirements will vary in different jurisdictions.